Addenda

Article 1 (Effective Date)

This Agreement shall be effective on June 25, 1998.

Article 2 (Termination of Former Agreement)

Upon the effective date of this Agreement, the "Financial Institution Agreement to Normalize the Operation of Companies that Show Signs of Financial Instability and to Effectively Solve the Bad Loan Problem" and the "Agreement between Financial Institutions for Normalization of Company" shall be terminated.

Article 3 (Duration)

This Agreement shall be effective until December 31, 1999; provided, however, that if the financial institutions entering into this Agreement resolve to renew this Agreement before the expiration thereof, then the foregoing shall not apply.

Article 4 (Effective Date)

This Agreement shall be effective on August 14, 1998.

Article 5 (Effective Date)

The Amendment Agreement shall be effective on October 1, 1998; provided that this Agreement may apply to company that has been selected to be subject to the Workout prior to the amendment date.